Who is leaving, what's left in your county, and what to do before the deadline. Last checked October 5, 2026.
One insurance company is leaving the Virginia marketplace for 2027.
Altogether, 39 of Virginia's 133 counties lose at least one marketplace insurer.
Hi, I'm Sam Jaber, a broker who is licensed in 36 states, and Virginia is one of them. For 2027, the Virginia change is Cigna, and it reaches past the state's own marketplace. Cigna is ending its individual plans in Virginia, the ones sold through the marketplace and the ones sold directly, so your Cigna plan stops at the end of December either way.
Cigna sold marketplace plans in 39 of Virginia's 133 localities in 2026. Virginia counts its cities as separate places from the counties around them, which is why that total runs so high. The footprint covers four areas: Northern Virginia, Richmond and its suburbs, the Fredericksburg corridor, and the top of the Shenandoah Valley around Winchester.
In Fairfax, Loudoun and Prince William, the step down is small, from 7 companies to 6. Richmond, Henrico and Chesterfield go from 5 to 4. The tighter spot is the valley. Page, Shenandoah and Warren counties each go from 3 companies to 2, which covers Luray, Woodstock and Front Royal.
Picture a self-employed contractor in Front Royal who picked a Cigna plan because it had the doctors he wanted out toward Winchester. He now picks between two companies for 2027, and he should check those Winchester doctors against both networks before he settles on one.
Much of the state never had Cigna on the marketplace at all. Hampton Roads, Roanoke, Lynchburg, Charlottesville and the southwest had 2 companies in 2026 and still do, so this exit isn't the story there.
If you came to Cigna after Aetna left the Virginia marketplace for 2026, this is your second forced move in two years. Don't let it be automatic this time. Pull up your doctors and prescriptions and choose for yourself.
Marketplace PPOs in Virginia were only ever a Northern Virginia thing in 2026, sold in 7 localities, and those all keep one. Everywhere else, you can still get a PPO through me: a private nationwide plan that asks about your health before it prices you.
Different state? Pick yours here.
These are the 39 Virginia counties where at least one marketplace insurer is leaving. For each one you can see who's leaving, how many marketplace insurers are left, and which ones.
On the marketplace, PPO plans were sold in 7 of Virginia's 133 counties in 2026, and all 7 of those counties still have one after the exits. Those PPO plans come from CareFirst.
| County | Insurer leaving | Insurers left | Who's left (2026 plans) | Marketplace PPO after |
|---|---|---|---|---|
| Alexandria city | Cigna | 5 | CareFirst; Kaiser Permanente; Oscar; Sentara; UnitedHealthcare | Yes |
| Amelia | Cigna | 4 | Anthem (Elevance); Oscar; Sentara; UnitedHealthcare | No |
| Arlington | Cigna | 5 | CareFirst; Kaiser Permanente; Oscar; Sentara; UnitedHealthcare | Yes |
| Caroline | Cigna | 5 | Anthem (Elevance); Kaiser Permanente; Oscar; Sentara; UnitedHealthcare | No |
| Charles City | Cigna | 4 | Anthem (Elevance); Oscar; Sentara; UnitedHealthcare | No |
| Chesterfield | Cigna | 4 | Anthem (Elevance); Oscar; Sentara; UnitedHealthcare | No |
| Clarke | Cigna | 3 | Anthem (Elevance); Sentara; UnitedHealthcare | No |
| Colonial Heights city | Cigna | 4 | Anthem (Elevance); Oscar; Sentara; UnitedHealthcare | No |
| Cumberland | Cigna | 4 | Anthem (Elevance); Oscar; Sentara; UnitedHealthcare | No |
| Dinwiddie | Cigna | 4 | Anthem (Elevance); Oscar; Sentara; UnitedHealthcare | No |
| Fairfax | Cigna | 6 | Anthem (Elevance); CareFirst; Kaiser Permanente; Oscar; Sentara; UnitedHealthcare | Yes |
| Fairfax city | Cigna | 5 | CareFirst; Kaiser Permanente; Oscar; Sentara; UnitedHealthcare | Yes |
| Falls Church city | Cigna | 5 | CareFirst; Kaiser Permanente; Oscar; Sentara; UnitedHealthcare | Yes |
| Fauquier | Cigna | 4 | Anthem (Elevance); Kaiser Permanente; Sentara; UnitedHealthcare | No |
| Frederick | Cigna | 3 | Anthem (Elevance); Sentara; UnitedHealthcare | No |
| Goochland | Cigna | 4 | Anthem (Elevance); Oscar; Sentara; UnitedHealthcare | No |
| Hanover | Cigna | 5 | Anthem (Elevance); Kaiser Permanente; Oscar; Sentara; UnitedHealthcare | No |
| Henrico | Cigna | 4 | Anthem (Elevance); Oscar; Sentara; UnitedHealthcare | No |
| Hopewell city | Cigna | 4 | Anthem (Elevance); Oscar; Sentara; UnitedHealthcare | No |
| King William | Cigna | 4 | Anthem (Elevance); Oscar; Sentara; UnitedHealthcare | No |
| King and Queen | Cigna | 4 | Anthem (Elevance); Oscar; Sentara; UnitedHealthcare | No |
| Loudoun | Cigna | 6 | Anthem (Elevance); CareFirst; Kaiser Permanente; Oscar; Sentara; UnitedHealthcare | Yes |
| Louisa | Cigna | 4 | Anthem (Elevance); Kaiser Permanente; Sentara; UnitedHealthcare | No |
| Manassas Park city | Cigna | 4 | Anthem (Elevance); Kaiser Permanente; Sentara; UnitedHealthcare | No |
| Manassas city | Cigna | 4 | Anthem (Elevance); Kaiser Permanente; Sentara; UnitedHealthcare | No |
| New Kent | Cigna | 4 | Anthem (Elevance); Oscar; Sentara; UnitedHealthcare | No |
| Page | Cigna | 2 | Anthem (Elevance); Sentara | No |
| Petersburg city | Cigna | 4 | Anthem (Elevance); Oscar; Sentara; UnitedHealthcare | No |
| Powhatan | Cigna | 4 | Anthem (Elevance); Oscar; Sentara; UnitedHealthcare | No |
| Prince George | Cigna | 4 | Anthem (Elevance); Oscar; Sentara; UnitedHealthcare | No |
| Prince William | Cigna | 6 | Anthem (Elevance); CareFirst; Kaiser Permanente; Oscar; Sentara; UnitedHealthcare | Yes |
| Rappahannock | Cigna | 3 | Anthem (Elevance); Sentara; UnitedHealthcare | No |
| Richmond city | Cigna | 4 | Anthem (Elevance); Oscar; Sentara; UnitedHealthcare | No |
| Shenandoah | Cigna | 2 | Anthem (Elevance); Sentara | No |
| Spotsylvania | Cigna | 4 | Anthem (Elevance); Kaiser Permanente; Sentara; UnitedHealthcare | No |
| Stafford | Cigna | 4 | Anthem (Elevance); Kaiser Permanente; Sentara; UnitedHealthcare | No |
| Sussex | Cigna | 3 | Anthem (Elevance); Sentara; UnitedHealthcare | No |
| Warren | Cigna | 2 | Anthem (Elevance); Sentara | No |
| Winchester city | Cigna | 3 | Anthem (Elevance); Sentara; UnitedHealthcare | No |
County data: CMS 2026 marketplace plan data source. Insurers are counted by company, and the table uses each company's 2026 service area, so a company that enters or expands for 2027 isn't counted yet. I'll update it when the 2027 plan list publishes in late October.
A few other names come up in the news about this. Here's where each one actually stands.
When an insurance company leaves, your plan doesn't stop overnight. It runs through December 31, 2026, and the company has to tell you in writing first. Federal rules require at least 90 calendar days notice when a company drops a plan, and at least 180 calendar days when it leaves a state's individual market entirely. If your company is leaving and you haven't seen that letter, call the company and ask for it.
What happens next is the part people get wrong. If no plan from your company is left on the marketplace, the federal rule (45 CFR 155.335) says the marketplace may move you to a plan from a different company. It doesn't say it will. The move has to fit state law, it follows the state regulator's direction, and without that direction the marketplace picks a "similar" plan. Nothing in that rule checks your doctors or your prescriptions.
If you bought your plan straight from the company, off the marketplace, the marketplace's re-enrollment rule doesn't reach you at all. You need to pick a new plan yourself.
Virginia runs its own marketplace, Virginia's state-run marketplace, instead of HealthCare.gov. It sends its own notices, and its deadlines can be different from HealthCare.gov's (December 15 for a January 1 start, January 15 to close). Check the dates on Virginia's state-run marketplace itself before you count on them, and treat its letter the same way: it tells you which plan, if any, you'd be moved into if you do nothing.
Miss open enrollment and you may still have a way in. Losing a plan because it's discontinued is on HealthCare.gov's list of qualifying events, and the federal rule gives you 60 days before and 60 days after the day your old coverage ends to pick a new plan. Don't build your plan around that window. Confirm you qualify before you count on it.
Here's how I'd think about it, depending on where you are. Each path ends the same way: a call with me before the deadline.
If you earn too much for the credit, you're paying the full marketplace price, and now you're paying it for whatever is left in your county. You have another option. Private plans with medical underwriting run on nationwide PPO networks and are priced on your health, which is how the price for a healthy person can come in under the marketplace's full rate. They ask health questions up front, and the company can decline you or leave out a past condition, so we go through the details together before you choose.
Next step: Call me and I'll price a nationwide PPO for your household next to the Virginia marketplace plans in your county.
Whatever the marketplace looks like in your county, you can still get a nationwide PPO in Virginia through me. On the marketplace, PPO plans were sold in 7 of Virginia's 133 counties in 2026, and all 7 of those counties still have one after the exits. Those PPO plans come from CareFirst.
Private PPO plans with medical underwriting use networks that work across the country, and for a healthy person who pays full price on the marketplace, they're often worth pricing. I'm licensed in 36 states, and Virginia is one of them.
Straight answers, no sales pitch.
Cigna (confirmed). Altogether, 39 of Virginia's 133 counties lose at least one marketplace insurer.
Maybe, but don't count on it. The federal rule says the marketplace may move you to a similar plan from a different company, as state law and your state regulator allow. HealthCare.gov says that in some cases you won't be automatically re-enrolled, and if you bought off the marketplace, nobody moves you. Pick your own plan.
Virginia runs its own marketplace, Virginia's state-run marketplace, and its dates can differ from HealthCare.gov's December 15 and January 15. Check the deadline on Virginia's state-run marketplace and pick early so your new plan starts January 1.
Yes. You can still get a nationwide PPO in Virginia through me. On the marketplace, PPO plans were sold in 7 of Virginia's 133 counties in 2026, and all 7 of those counties still have one after the exits. Those PPO plans come from CareFirst.
Last checked October 5, 2026. I update this page when the 2027 plan list publishes in late October.
Tell me your county, who's on your plan and what your letter says. I'll show you what's left on the Virginia marketplace, price a nationwide PPO next to it, and help you pick before the deadline. I'm licensed in 36 states and work by phone.
Every state on the list, and guides for Virginia